Vietnam real estate faces affordability strain, new financing and villa price surge

Individuals such as Anh Lê Đình Anh, a bank employee in Quảng Ninh, and hairdresser Đào Thị Nhi in Hà Nội are postponing home purchases because loan repayments would require severe budget cuts. Both couples have decided to continue renting while they save more.

Developer Masterise Homes has launched a nationwide “Co‑creation of value” financing programme, offering a range of financial solutions to home‑buyers on projects in the Masteri Collection and LUMIÈRE series. The scheme runs from 1 August to 30 September 2026.

Investors like Nguyễn Bình are buying ready‑to‑rent vacation apartments in the Crystal Holidays Harbour Vân Đồn project built by Everland Group. The first phase, managed by Centara Hotels & Resorts, will be handed over in September 2026, allowing owners to start generating rental income immediately.

In Ho Chi Minh City, the market for low‑rise villas has entered a new pricing cycle. Typical prices have risen to 300‑500 million VND per square metre, reflecting limited central land, high demand and the scarcity of new villa supply.